This is my 2nd Loan with Aaron Terhune, and the process was very smooth. I had a number of questions, especially as we switched from Escrow to non-escrow, and he walked me through it and always responded to my emails very promptly, and we had a couple of calls as I checked in as well. Great to work with, highly recommended and transparent. Considered one of those larger online lenders, but very glad I stuck with Aaron. No complaints.